Meet Our Team

Darren Moffatt

Founder & Managing Director

Professional and Licensed Reverse Mortgage Brokers in Australia

Darren is an award-winning businessperson with almost two decades of lending experience.

He began his finance career as a bank manager for Westpac in Sydney’s Inner West, before moving into corporate roles in mortgage insurance and non-bank lending with Royal & Sun Alliance and Challenger respectively.

In 2005 Darren was appointed NSW state manager for a Reverse Mortgage lender, when he soon realised there was strong need for a mortgage broking service dedicated to reverse mortgages.

In 2006 he established Seniors First. The company quickly became an industry leader, and was recognised with awards in 2007, 2008 and 2009. Consequently Darren has often been invited to contribute to public policy forums and continues to appear regularly in the media.

Today, Darren is excited by the re-awakening of the Reverse Mortgage industry and the opportunities these new lenders and products offer to senior Australians. As ever, he remains committed to serving their interests with responsible finance solutions that deliver a better retirement for Seniors First customers.

“Even after all these years I still get a buzz out helping people. Time and again, I’ve seen how releasing even just a tiny bit of home equity through a Reverse Mortgage can make a huge difference to someone’s life.”

Elaine Kos

Area Manager

Reverse Mortgage ACT, Canberra

Elaine is the longest-serving member of Seniors First staff, having been with the company since its launch in 2006.

She is a qualified mortgage broker with ten years lending experience, and is one of the leading Reverse Mortgage lenders in Canberra and the ACT.

In addition to her work with Seniors First, Elaine is a successful business person in her own right. She is well known for her activities as business mentor, advisor, and former councillor of the Canberra Business Council. In 2002 her abilities were recognised when she was awarded as a Telstra Business Woman of the Year finalist.

Today Elaine continues to help other seniors, and remains a passionate believer in Reverse Mortgages and their power to transform lives for the better.

“When you retire your life doesn’t stop – you want the fun and enjoyment to continue. But this is often hard for people to achieve because all their money is locked up in the house. I love helping people access that money so they can have the wonderful retirement they deserve.”

Andrew Cate

NSW Reverse Mortgage Broker

Reverse Mortgage NSW, Sydney | Reverse Mortgage VIC, Melbourne

Andrew is an accomplished Reverse Mortgage broker based in Sydney, NSW who also assists with Reverse Mortgages in Melbourne and Victoria. He has extensive experience in helping people over 60 release home equity to improve their retirement lifestyle. Qualified in finance and mortgage broking, he has detailed a knowledge of the best Reverse mortgage lenders and interest rates. Before joining Seniors First in 2014, Andrew was an established writer, and has run his own business for over 20 years. He first became interested in Reverse Mortgages after seeing his father struggle to enjoy life on the age pension.

“Most people over the age of 60 didn’t grow up with compulsory super, and many will face financial challenges. It’s enjoyable talking to people, getting to know what they need, and showing how a Reverse Mortgage can better their life. No two Reverse Mortgages are the same, and I work hard on tailoring each loan to best help the borrower. Helping people make an informed decision is vital, and showing borrowers which lender suits them best can make a difference both now, and years down the track.”

Don Murdoch

QLD Reverse Mortgage Broker

Reverse Mortgage QLD, Brisbane

Don is a financial services professional based in Brisbane Queensland. Prior to joining Seniors First as a Reverse Mortgage Broker QLD, he had over 45 years experience in financial planning and management. Don has a history of keeping things simple and doing the right thing by clients

Don’s first experience with Reverse Mortgages occurred in 2005 when his mother-in-law released some of her home equity. Since then he has firmly believed in the product and the enormous difference a Reverse Mortgage can make to the lives of seniors in Queensland.

“I’m a big believer in the positive power of Reverse Mortgages, but they’re not for everyone. I always tell it straight and try to educate my clients on the pros and cons of the different options available. I love getting referrals from happy clients.”

Providing award-winning service since 2006.

Senior's First has developed a reputation as an award-winning reverse mortgage broker, and a trusted name among public policy organisations, the aged care industry, senior’s groups, older borrowers and their families.

Seniors First has minimum total loan size of $65,000, and a brokerage fee also may apply. In special cases we will consider providing our service for smaller loans, however a larger brokerage fee may apply.